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Does Insurance Cover Water Damage?

Does insurance cover water damage?

TLDR: Insurance coverage for water damage depends on the source and type of damage. Generally, homeowners’ insurance covers water damage that is sudden and accidental, such as from burst pipes or storms. However, it typically does not cover damage due to lack of maintenance or gradual leaks. It’s crucial to understand your policy details and contact your insurance provider for specifics. For immediate assistance with water damage, residential and commercial customers can rely on Certified Clean Care for professional restoration services.

Understanding Insurance Coverage for Water Damage

Navigating the maze of insurance policies related to water damage in homes and businesses is often a challenging task. This comprehensive guide is designed to demystify the typical coverage provided under standard insurance policies. It aims to assist homeowners and business owners in effectively understanding and managing water damage incidents, ensuring they’re better prepared to handle such situations.

Water Damage Typically Covered by Insurance

Sudden and Accidental Damage

Instances of sudden and accidental water damage, such as a pipe suddenly bursting or an appliance failing and causing a flood, are usually covered by both homeowners’ and business insurance policies. These kinds of incidents are unpredictable, and the policyholder has little to no control over them. Insurance companies recognize such scenarios as unforeseen accidents, making them eligible for claims.

Damage from a Roof Leak

Water damage resulting from roof leaks, especially during severe weather conditions like storms or heavy rain, is commonly covered under most insurance policies. However, it’s important to note that this coverage is contingent on the damage being an immediate result of a specific, sudden event. Long-term neglect or lack of roof maintenance, which could otherwise prevent such damage, may not be covered.


In cases where vandalism is the direct cause of water damage, such as broken windows during a break-in leading to rainwater entering the property, insurance policies typically cover the resultant damages. This form of coverage is crucial as it protects property owners from unforeseen malicious acts that lead to significant water damage.

Water Damage Not Typically Covered by Insurance

Gradual Damage

Gradual water damage, which often results from slow, undetected leaks, is not usually covered by insurance. It’s imperative for property owners to conduct regular inspections and maintain their properties to prevent such issues. Insurance companies view gradual damage as preventable and often attribute it to negligence.

Poor Maintenance

Damage resulting from poor maintenance or general wear and tear is often excluded from standard insurance policies. Insurance is designed to protect against sudden, unforeseen events, not damage that occurs over time due to the owner’s failure to maintain the property.

Flood Damage

Flood damage, a separate category from general water damage, is typically not covered under standard homeowners’ and business policies. In areas prone to flooding, it is highly advisable to obtain separate flood insurance. This policy is specifically designed to cover losses and damages directly resulting from flooding.

Policy Details and Limitations

Every insurance policy has its unique limitations and deductibles. Homeowners and business owners should thoroughly review their policy’s specifics, including the coverage limits for different types of water damage. Being aware of these details is crucial in effectively planning for and responding to water damage incidents.

Certified Clean Care for Water Damage Remediation

In the aftermath of water damage, swift and professional remediation is essential. Certified Clean Care offers specialized services for water damage restoration, catering to both residential and commercial properties. Their expertise in mitigating damage, preventing mold growth, and restoring properties efficiently and effectively makes them a reliable partner in managing water damage crises.

FAQ Section

Will insurance cover a leaking bathroom fixture?

If the leak is sudden and accidental, it’s generally covered. However, if the leak resulted from ongoing neglect or lack of maintenance, it might not be.

Does homeowners insurance cover water damage from rain?

Yes, if the rain enters through damage caused by a covered peril, like a storm-damaged roof. However, if it’s due to a maintenance issue, like a long-standing leaky window, it may not be covered.

Are burst pipes covered by insurance?

Yes, water damage from burst pipes is typically covered under a standard homeowners’ insurance policy, as long as the burst is sudden and not due to negligence.

Does insurance cover mold resulting from water damage?

Coverage for mold depends on the source of the moisture and the specifics of your policy. If the mold results from a covered water damage incident, it may be included.


Understanding the nuances of insurance coverage for water damage is crucial for homeowners and business owners. In cases of water damage, it’s advisable to consult with your insurance provider to understand your coverage. Simultaneously, immediate action is necessary to mitigate damage. Certified Clean Care is equipped to handle water damage restoration, offering services that can significantly reduce the impact and cost of water-related incidents. Don’t hesitate to reach out to them for expert assistance in restoring your property.